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  • CDA Lending and Risk Analyst Senior IV (052878) Team Leader – Multi Family Loan Underwriter HDP

    7800 Harkins Road lanham md 20706, Lanham, Maryland United States Maryland Department of Housing and Community Development Full Time $104,519 - $138,943/year (Grade 23 with promotional growth to $162,800) Jan 30, 2026
    The Maryland Department of Housing and Community Development Employer:

    Maryland Department of Housing and Community Development

    Work that matters. The Maryland Department of Housing and Community Development (DHCD) is a national leader in the financing of affordable housing and revitalizing communities. 

    Summary

    CDA Lending and Risk Analyst Senior IV (052878)

    Team Leader – Multi Family Loan Underwriter HDP

    Recruitment # 26-003732-0001 Filing Deadline – 2/11/2026 11:59:00 PM

    Salary - $104,519 - $138,943/year (Grade 23 with promotional growth to $162,800)

     

    This is a Management Service position with full Maryland State Benefits 



    Work that Matters.  The Maryland Department of Housing and Community Development (DHCD) is a national leader in the financing of affordable housing and revitalizing communities.  This is an opportunity to join this nationally-recognized, award-winning organization and apply your skills to this high public purpose and challenging area.  Annually, DHCD finances approximately 4,000 units of multifamily rental housing in 40 properties, amounting to $500 million in construction and permanent financing. Funding comes from a variety of sources, including state-appropriated funds, taxable and tax-exempt revenue bonds, federal low income housing tax credits, federal HOME funds and other federal funds.  Additionally, DHCD administers rental assistance programs and innovative initiatives designed to expand affordable housing opportunities for persons with disabilities, increase the energy efficiency and sustainability of affordable multifamily developments, and preserve rental housing.

    The purpose of this position is to manage the work of a team of underwriters who assess project risk from multiple perspectives (financial; reputational; and life, health and safety) and structure transactions to achieve Departmental goals while mitigating those risks.

    The position plans, coordinates, direct, negotiates, examines, examines, analyzes, and interprets financial and/or construction data associated with  DHCD-CDA lending programs, CDA grants, energy assistance programs, rental assistance programs, or any other technical assistance pertaining to mortgage lending, energy assistance, grants, rental assistance, business lending, special loans, multifamily housing finance, housing rehabilitation, infrastructure and neighborhood rehabilitation.

    DHCD offers a flexible work schedule, telework and job sharing options, training, advancement and career path opportunities, casual business dress on Fridays, and a competitive salary. There is ample parking and our offices are located in walking distance to the New Carrollton MARC Train Station. 

    GRADE

    23

    This position offers a salary range of $104,519 - $138,943/year, with potential for advancement up to $162,800 based on qualifications, equity, and hiring guidelines.  Initial salary offers are determined by qualifications, experience, and available budget, and typically do not exceed $138,943/year. 

    LOCATION OF POSITION

    7800 Harkins Road Lanham, MD 20706

    The Maryland Department of Housing and Community Development Headquarters is located in Prince George’s County across from the New Carrollton Metro Stop.

    Job Description

    CDA Lending and Risk Analyst Senior IV, along with other related duties, is responsible to plan, coordinate, direct, negotiate, examine, analyze, and interpret financial and/or construction data associated with DHCD-CDA lending programs, CDA grants, energy assistance programs, rental assistance programs, or any other technical assistance pertaining to mortgage lending, energy assistance, grants, rental assistance, business lending, special loans, multifamily housing finance, housing rehabilitation, infrastructure and neighborhood rehabilitation.  

    The CDA Lending and Risk Analyst Senior IV oversees the work of a team of underwriters who assess project risk from multiple perspectives (financial, reputational, and life, health, and safety and then structures transactions to achieve Departmental goals while mitigating those risks).

    The CDA Lending and Risk Analyst Senior IV will spend up to 70% of their time supervising, training, and coaching underwriters as assigned by a CDA Lending and Risk Director or the appropriate appointing authority.

    Job Requirements

    Education: A Bachelor’s degree in Finance, Business Administration, Economics, Accounting, Construction Management, Architecture, or a related field from an accredited college or university.

    Experience: At least four years of professional financial/risk analysis experience in the private or public sector, managing government programs, lending and risk analysts, debt portfolios, examining and or analyzing financial statements, budget, grant or real estate investment portfolio records and reports, or four years of experience in Construction Management pertaining to single family and multifamily housing government programs. One year of this experience must have been in a supervisory capacity.

    Notes:

    1. A Quality Control Inspector certification, Project Management Certification, Leadership in Energy and Environmental Design (LEED) certification or certified Public Accountant (CPA) certification or documented eligibility to sit for the CPA Examination may be substituted for the educational requirement.

    1. A Master’s degree in Finance, Business Administration, Architecture, Construction Management, Economics, Accounting or a related field from an accredited college or university may be substituted for two years of the required experience.

    1. Candidates may substitute one year of lending and risk professional experience, such as managing financial asset and debt portfolios, or one year of residential construction discipline or multifamily construction management. 

    1. Candidates may substitute U.S. Armed Forces military service experience as a commissioned officer in the Accounting or Loan Officer Classifications, or as a commissioned officer in business and industry classification or business and industry specialty codes in the housing management field of work on a year-for-year basis for the required experience and education.

    DESIRED OR PREFERRED QUALIFICATIONS

    • Experience in Federal Low-Income Housing Tax Credit or related federal investment tax credit programs. 
    • Experience in Affordable rental housing preservation programs.    
    • Experience in FHA-insured multifamily housing insurance programs.
    • Experience in Taxable and tax-exempt bond financing programs. 
    • Experience in Energy efficiency programs for affordable multifamily housing; and disability or supportive housing.

    Special Instructions

    Please mention you found this employment opportunity on the CareersInGovernment.com job board.

    Additional Information

    TTY Users: Call via Maryland Relay

    We thank our Veterans for their service to our country and encourage them to apply.

    As an equal opportunity employer, Maryland is committed to recruiting, retaining, and promoting employees who are reflective of the State’s diversity.

    For more information and to apply:

    Job Announcement: CDA LENDING AND RISK ANALYST SENIOR IV (052878) - State of Maryland

    Please mention you found this employment opportunity on the CareersInGovernment.com job board.

LATEST JOBS

Top Government Risk Management Jobs: A Guide to Careers

Top Government Risk Management Jobs: A Guide to Careers

Government risk management jobs play a crucial role in protecting the nation’s critical infrastructure and ensuring the security of public services. These jobs require a deep understanding of policies, regulations, and risk mitigation strategies to prevent potential threats. Whether you’re interested in enterprise risk management or specialized roles, there are various paths to explore in this dynamic field. Click save on important government websites to stay informed about these evolving opportunities.

 

What is Risk Management in Government?

Government risk management involves identifying, assessing, and addressing risks that can disrupt essential public services, infrastructure, and national security. The United States government greatly emphasizes protecting these critical systems from external threats, including cyberattacks, environmental disasters, and compliance failures. From environmental enforcement to national security, the government’s risk management scope is broad and impactful. Respond to critical incidents promptly by understanding the protocols in place.

Key Objectives of Government Risk Management:

  • Protecting essential services like energy, transportation, and communication systems.
  • Ensuring regulatory compliance with national and international standards.
  • Safeguarding public health and safety through effective data analysis and security frameworks.
  • Supporting international development and environmental enforcement efforts to maintain a global balance.
 

Types of Government Risk Management Jobs

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Here are the most prominent risk management jobs available in the government sector:

1. Risk Management Analyst

Risk management analysts are responsible for analyzing vast amounts of data to identify risks that could impact government projects and services. This role requires strong analytical skills and the ability to work across departments to develop risk mitigation strategies. Analysts must stay up-to-date on the latest risk management trends and government regulations. Ensure that all relevant documents are saved on the site for easy access and tracking of ongoing projects.

2. Enterprise Risk Management (ERM) Specialist

ERM specialists focus on creating strategies to manage risks across various government agencies. This role often involves working with other risk management professionals and security experts to develop comprehensive plans that address potential threats on a larger scale. ERM specialists are essential in ensuring all risks are handled cohesively throughout the organization. Click save on essential ERM reports and frameworks to avoid losing critical data.

3. Infrastructure Security Agency (ISA) Specialist

An ISA specialist ensures the security and resilience of critical infrastructure, such as power grids, communication systems, and transportation networks. These professionals are responsible for preventing and responding to threats that could disrupt essential services. ISA specialists often collaborate with agencies like the Department of Homeland Security to safeguard the nation’s infrastructure. Respond quickly to infrastructure alerts and ensure protocols are in place for rapid action.

4. Data Analyst in Risk Management

Data analysts support risk management by analyzing trends and identifying risks through data-driven approaches. These professionals are crucial for identifying patterns that help inform risk mitigation strategies. Their work requires knowledge of operating systems, data analysis tools, and statistical techniques to ensure thorough evaluations of potential threats. Data analysts must regularly click save on databases and dashboards to avoid losing essential information.

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Key Government Agencies Offering Risk Management Jobs

Several government agencies provide opportunities in risk management:

Infrastructure Security Agency (ISA)

The ISA is responsible for protecting the nation’s critical infrastructure, which includes energy systems, transportation networks, and communication frameworks. Jobs at the ISA range from risk management analysts to security specialists, and these professionals work closely with other government bodies, including the Department of Homeland Security. They collaborate with cross-agency teams to respond effectively to security threats.

Department of Energy (DOE)

The DOE is heavily involved in risk management to ensure the security of the energy grid and other essential systems. Risk management professionals in the DOE work to protect against both cyber and physical threats that could disrupt the nation’s energy infrastructure. Save crucial energy-related documents and reports on the department’s site for easy access.

 

Core Responsibilities in Government Risk Management Jobs

 
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Risk management jobs in government require a diverse skill set. Here are some of the key responsibilities associated with these roles:

Data Analysis and Risk Assessment

Data analysis is a critical component of any risk management job. Risk management professionals use data to assess threats, analyze patterns, and develop risk mitigation strategies. This often involves working with various operating systems, software applications, and data management tools to ensure a comprehensive risk management approach. Don’t forget to click save frequently when working with sensitive data.

Enterprise Risk Management (ERM)

ERM is a process that involves creating risk management frameworks across different agencies. These professionals collaborate with risk analysts, security experts, and agency leaders to ensure that risks are assessed and mitigated across the organization. They also coordinate site visits and reviews to evaluate risk management protocols.

Compliance and Environmental Enforcement

Risk management professionals ‘ compliance is a key responsibility, as they ensure that government agencies adhere to regulations and standards. Additionally, environmental enforcement plays a vital role in risk management, especially concerning preventing environmental disasters or addressing compliance violations. Respond quickly to any compliance breaches to avoid more significant issues.

 

Education and Training for Risk Management Careers

A bachelor’s degree in business, finance, or risk management is often the minimum requirement for these jobs. Many positions also require advanced training or certifications, such as Certified Risk Manager (CRM) or Certified Information Systems Security Professional (CISSP) credentials, to demonstrate expertise in the field.

Ongoing Training

Staying up-to-date in risk management is critical as threats continue to evolve. Many professionals seek continuing education opportunities to stay current with best practices and new technologies in risk management.

 

Salary and Benefits in Government Risk Management Jobs

Government risk management jobs offer competitive salaries and comprehensive benefits. Salaries vary depending on the agency, job title, and geographic location. For example, professionals in high-demand areas like data analysis and enterprise risk management can expect to earn more due to the specialized skills required.

Additional Benefits

In addition to salary, government employees enjoy generous benefits, including health insurance, retirement plans, paid time off, and professional growth opportunities. Many agencies also provide further education and training programs to help employees advance.

Job Search Tips for Government Risk Management Careers

If you’re looking to pursue a career in government risk management, here are some tips to help with your job search:

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  • Leverage Job Boards: Websites like USAJobs list government risk management job openings across various agencies.
  • Tailor Your Application: Customize your resume and cover letter to highlight relevant skills, such as enterprise risk management, data analysis, and compliance.
  • Stay Updated: Sign up for email notifications about new job openings.
  • Prepare for Interviews: Be ready to discuss your experience in risk assessment, data analysis, and your approach to mitigating risks.
 

Conclusion

Government risk management jobs offer a fulfilling career path for individuals interested in protecting national security, critical infrastructure, and public services. With opportunities available across various government agencies, including the Infrastructure Security Agency and the Department of Energy, there are many paths to explore. By acquiring the right education, training, and experience, you can significantly impact this essential field.

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